Go Digit General Insurance Ltd.
ISIN: INE03JT01014 • Market Cap: ₹23,396 Cr
The 5-Pillar Quality Audit for Go Digit General Insurance Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (—), Return on Capital Employed (13.6%), and equity compounding (12.6%).
2. Financial Health & Solvency
Weight: 25%Debt-to-Equity is 0.08 with comfortable interest coverage and clean working capital.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (—) and 3Y PAT CAGR (148.3%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 47.51 vs PEG of 3.47 and Dividend Yield of —.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at 73.0%, backed by 23.2% institutional ownership.
Key Fundamental Strengths
Fortress Balance Sheet (D/E: 0.08)
The company operates virtually debt-free, shielding net margins from interest rate cycles and monetary tightening.
High-Velocity Profit Compounding (3Y PAT CAGR: 148.3%)
Net earnings have compounded at 148.3% annualized, demonstrating operating leverage.
Areas to Watch & Potential Risks
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking GODIGIT against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Fails 10%+ revenue growth or 15%+ minimum capital return benchmark over historical periods.
Quality Factor Screener (High RoIC + Low Debt)
Qualifies for Indian Quality Indices with overall score of 79/100 and clean gearing.
GARP / Value-Growth Blend
Valuation multiple or return metrics require further cyclical pullback.
Financial Services Sector Peer Comparison
Compare GODIGIT directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| Go Digit General Insurance Ltd. (GODIGIT)Current | 79/100 | ₹23,396 Cr | 47.51 | 13.6% | 0.08 | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: Go Digit General Insurance Ltd.
Q:What is the 5-Pillar Fundamental Score for Go Digit General Insurance Ltd. (GODIGIT)?
Go Digit General Insurance Ltd. has a RupeeTools Fundamental Score of 79/100, placing it in the 'Solid & Healthy' category. Its pillar scores are: Profitability (61/100), Financial Health (99/100), Growth (99/100), Valuation (40/100), and Ownership Quality (82/100).
Q:Is GODIGIT fundamentally strong for long-term investment?
Yes, GODIGIT exhibits solid fundamental strength with a 79/100 score, driven by a return on equity of 12.6% and a debt-to-equity ratio of 0.08.
Q:Does GODIGIT pass the Coffee Can Investing filter?
No. GODIGIT does not currently meet the strict 15% ROCE and 10% sustained topline compounding threshold mandated by the Coffee Can investing framework.
Q:How does GODIGIT compare against other Financial Services peers?
Within India's Financial Services sector, GODIGIT trades at a P/E of 47.51 and generates an ROCE of 13.6%. Compare its 5-Pillar score of 79/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.